HSBC Live+ Credit Card
Rewards & Benefits
Welcome Benefits
Users will get INR1,000 cashback when they download and log on to the HSBC India Mobile Banking app and spend INR20,000 within the first 30 days of getting the card and an INR250 Amazon e-gift voucher when they apply for the card online and complete video KYC (VKYC).
Milestone Benefits
Cashback Rate
Users will get 10% cashback on all dining, food delivery and grocery spends (capped at up to INR1,000 per billing cycle).
1.5% unlimited cashback on most other spends.
Movie Benefits
Dining Benefits
Other Benefits
The annual membership fee of Rs 999 will be waived if the user spends over Rs 200,000 per year.; Additional benefits like- 1. Zero card lost liability. 2. Emergency Card replacement. 3. Insurance benefits. 4. Globally accepted card.
Lounge Access
Fees & Charges
Joining Fee
NIL,
Annual Fee
INR 999 + GST
Cash Advance Fee
Cash advance fee: 2.5% of the cash withdrawn or Rs 500. (Whichever is higher)
Interest rate
3.49% per month (41.88% annually)
Late Payment Fee
Late payment fee (Charged if minimum amount due does not reach HSBC within 3 days of payment due date- Subject to a minimum of `250 and a maximum of `1,200 per month
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Reward Redemption Fees: NIL
दोष
It only provides cashback offers and no reward point benefits.
No international lounge access facility is available.
Welcome bonus can only availed on fulfilling a minimum transaction limit in 30 days.
Welcome Benefit: Users will get INR1,000 cashback when they download and log on to the HSBC India Mobile Banking app and spend INR20,000 within the first 30 days of getting the card and an INR250 Amazon e-gift voucher when they apply for the card online and complete video KYC (VKYC).
Reward System: Users will get 10% cashback on all dining, food delivery and grocery spends (capped at up to INR1,000 per billing cycle), and 1.5% unlimited cashback on most other spends. 20% off on purchases of INR3,000 and over at Myntra, this offer is valid until 31 December 2024 and the discount can be used once per card per calendar month during the offer period, up to a maximum discount of INR1,000 per month.
4 complimentary domestic lounge visits per year (1 per quarter).
The annual membership fee of Rs. 999 will be waived if the user spends over INR200,000 per year.
Additional benefits like- 1. Zero card lost liability. 2. Emergency Card replacement. 3. Insurance benefits. 4. Globally accepted card.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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Eligibility Criteria
You must be aged between 18 to 65
Your annual income must be at least INR400,000 per annum (for salaried individuals)
You must be an Indian resident
You must reside in any of the following cities: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, Pune
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
Online: Visit the HSBC India website. Click on the "Credit Cards" tab. Click on the "Apply Now" button for the HSBC Live+ Credit Card Fill in the application form with your basic details, such as your name, PAN number, date of birth, father's name, occupation type, company name, marital status, and address details. Submit your application. A representative from HSBC will call you to complete the KYC process. Required documents: PAN card Aadhaar card Income proof (salary slip or Form 16 for salaried individuals, and income tax returns for self-employed individuals)
सम्पर्क करने का विवरण
HSBC Personal Banking / Credit Cards 1800 267 3456 1800 121 2208
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Welcome Benefit: Users will get INR1,000 cashback when they download and log on to the HSBC India Mobile Banking app and spend INR20,000 within the first 30 days of getting the card and an INR250 Amazon e-gift voucher when they apply for the card online and complete video KYC (VKYC).
Reward System: Users will get 10% cashback on all dining, food delivery and grocery spends (capped at up to INR1,000 per billing cycle), and 1.5% unlimited cashback on most other spends. 20% off on purchases of INR3,000 and over at Myntra, this offer is valid until 31 December 2024 and the discount can be used once per card per calendar month during the offer period, up to a maximum discount of INR1,000 per month.
4 complimentary domestic lounge visits per year (1 per quarter).
The annual membership fee of Rs. 999 will be waived if the user spends over INR200,000 per year.
Additional benefits like- 1. Zero card lost liability. 2. Emergency Card replacement. 3. Insurance benefits. 4. Globally accepted card.
It only provides cashback offers and no reward point benefits.
No international lounge access facility is available.
Welcome bonus can only availed on fulfilling a minimum transaction limit in 30 days.
The HSBC Cashback Credit Card shines for its high cashback rates, especially on everyday food and grocery spends, lack of joining fee, and annual fee waiver with moderate spending. The complimentary lounge access adds further value for frequent travelers. However, keep in mind the monthly caps on the 10% cashback and limited partner offers.
The HSBC Cashback Credit Card shines for its high cashback rates, especially on everyday food and grocery spends, lack of joining fee, and annual fee waiver with moderate spending. The complimentary lounge access adds further value for frequent travelers. However, keep in mind the monthly caps on the 10% cashback and limited partner offers.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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